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Latest Articles from Three Sixty Finance

Check out the latest blog posts from Three Sixty Finance

Featured Articles

Image for How to Buy a Home Closer to Work in Joondalup

15th October 2026

How to Buy a Home Closer to Work in Joondalup

Move closer to your workplace without overpaying on the home loan or stretching your borrowing capacity beyond what makes sense.

Image for Top Tips to Fund Medical Expenses with Personal Loans

13th October 2026

Top Tips to Fund Medical Expenses with Personal Loans

When health costs can't wait, understanding how a personal loan for medical expenses works helps you make informed decisions without added stress.

Image for Understanding the basics of buying two investment properties

8th October 2026

Understanding the basics of buying two investment properties

How Perth investors structure their borrowing to acquire two rental properties while managing equity, deposit requirements and loan serviceability under current lending rules.

Image for When to Pick Variable Rate Home Loan Features

6th October 2026

When to Pick Variable Rate Home Loan Features

How offset accounts, redraw, and flexible repayments change the cost and control of a variable rate home loan for Applecross buyers

Home Loans

Image for How to Buy a Home Closer to Work in Joondalup

15th October 2026

How to Buy a Home Closer to Work in Joondalup

Move closer to your workplace without overpaying on the home loan or stretching your borrowing capacity beyond what makes sense.

Image for When to Pick Variable Rate Home Loan Features

6th October 2026

When to Pick Variable Rate Home Loan Features

How offset accounts, redraw, and flexible repayments change the cost and control of a variable rate home loan for Applecross buyers

Image for Do you know how larger blocks change your home loan?

21st September 2026

Do you know how larger blocks change your home loan?

Moving from a compact home to one with a yard, pool or extra land changes what lenders look for and how your application is assessed.

Image for Do you know how retirement home loans work?

20th August 2026

Do you know how retirement home loans work?

Borrowing for a retirement home in Joondalup works differently once you've stopped working, but age alone doesn't disqualify you from finance.

Image for What are Variable Rate Loans and Offset Accounts?

10th August 2026

What are Variable Rate Loans and Offset Accounts?

Understanding how variable rate home loans and offset accounts work together to reduce interest and give you flexible access to your money.

Image for Smart ways to finance a home with a backyard

27th July 2026

Smart ways to finance a home with a backyard

How Applecross buyers structure their home loans to secure properties with outdoor space without overcommitting on repayments or deposit.

Image for The Pros and Cons of Variable Rate Home Loans

20th July 2026

The Pros and Cons of Variable Rate Home Loans

What variable rate features actually do for your repayments, flexibility, and long-term borrowing capacity across WA's property market

Image for Everything You Need to Know About Townhouse Home Loans

13th July 2026

Everything You Need to Know About Townhouse Home Loans

From loan structures to offset accounts, how to approach financing when you're buying a townhouse in Applecross and what lenders actually assess.

Image for Why Your Repayment Strategy Matters More Than Your Rate

3rd June 2026

Why Your Repayment Strategy Matters More Than Your Rate

How you structure your repayments can cut years off your loan and save tens of thousands in interest, even without refinancing.

Image for Fixed Rate Home Loans: Fees and Costs You Need to Know

28th May 2026

Fixed Rate Home Loans: Fees and Costs You Need to Know

Understanding the upfront and ongoing costs that come with fixing your interest rate, including application fees, discharge fees, and break costs.

Personal Loans

Image for Top Tips to Fund Medical Expenses with Personal Loans

13th October 2026

Top Tips to Fund Medical Expenses with Personal Loans

When health costs can't wait, understanding how a personal loan for medical expenses works helps you make informed decisions without added stress.

Investment Loans

Image for Understanding the basics of buying two investment properties

8th October 2026

Understanding the basics of buying two investment properties

How Perth investors structure their borrowing to acquire two rental properties while managing equity, deposit requirements and loan serviceability under current lending rules.

Image for Unlock the Secrets to Investment Loan Strategies in Perth

26th August 2026

Unlock the Secrets to Investment Loan Strategies in Perth

How Greater Perth investors are structuring finance to adapt to the new negative gearing rules and maximise long-term portfolio growth

Image for Everything You Need to Know About Investment Loan Features

24th August 2026

Everything You Need to Know About Investment Loan Features

Understanding the specific features built into investment loans and how to use them to support portfolio growth and manage cash flow across different market conditions.

Image for The Pros and Cons of Investment Property Deposits

13th August 2026

The Pros and Cons of Investment Property Deposits

What you need to bring to the table as a property investor in Perth, and how deposit size shapes your borrowing power and tax position.

Image for Beginner's Guide to Variable Rate Investment Loans

3rd August 2026

Beginner's Guide to Variable Rate Investment Loans

Understanding the flexible loan features that give property investors in WA quick access to equity, redraw and rate discounts without fixed-term lock-in.

Image for How to Get Pre-Approval for an Investment Loan

17th June 2026

How to Get Pre-Approval for an Investment Loan

Understanding what lenders assess, what documents you'll need, and how pre-approval positions you ahead of other Perth investors.

Image for Simple hacks to pick the right investment property

2nd June 2026

Simple hacks to pick the right investment property

How to choose an investment property in Applecross that aligns with your borrowing power, rental return expectations, and long-term wealth strategy.

Car Loans

Image for Proven Tips to Finance a Classic Car in Joondalup

30th September 2026

Proven Tips to Finance a Classic Car in Joondalup

Classic car financing works differently to standard auto loans. Here's what you need to know before buying that vintage ride.

Image for Unlock the Secrets to Financing Your Ute

24th September 2026

Unlock the Secrets to Financing Your Ute

What Perth buyers need to know about securing the right loan for a work ute, four-wheel drive, or dual cab without overpaying or getting stuck with the wrong structure.

First Home Buyers

Image for Top Strategies to Buy a Duplex as a First Home Buyer

29th September 2026

Top Strategies to Buy a Duplex as a First Home Buyer

How Western Australian first home buyers can use government schemes and low deposit options to purchase a duplex property.

Image for Saving for Your First Home: The Dos and Don'ts

9th September 2026

Saving for Your First Home: The Dos and Don'ts

What you actually need in the bank before you can buy, and how to get there without putting your life on hold for five years.

Image for Top Strategies to Pick a Variable Rate Loan in Joondalup

3rd September 2026

Top Strategies to Pick a Variable Rate Loan in Joondalup

How first home buyers in Joondalup can use variable rate loans to build flexibility, cut costs early, and manage repayments as life changes.

Image for Why Should First Home Buyers Consider Fixed Rates?

22nd June 2026

Why Should First Home Buyers Consider Fixed Rates?

Fixed interest rates offer payment certainty, but timing and loan structure matter when you're buying your first home in Western Australia.

Construction Loans

Image for How to Finance a Construction Investment Property

17th September 2026

How to Finance a Construction Investment Property

Understanding construction finance for investors in Joondalup, from progressive drawdowns to managing your loan through the building phase and beyond

Image for Proven Tips to Fund Multi-Unit Developments in WA

8th June 2026

Proven Tips to Fund Multi-Unit Developments in WA

How construction loans work when you're building townhouses, duplexes, or small-scale apartment projects, and what lenders actually require before releasing funds.

Commercial Loans

Image for Commercial Loan Terms: What Not to Ignore

14th September 2026

Commercial Loan Terms: What Not to Ignore

Understanding loan structure, repayment terms, and collateral requirements can mean the difference between a commercial property deal that works and one that doesn't.

Image for Top tips to finance an office building in Joondalup

5th August 2026

Top tips to finance an office building in Joondalup

What you need to know about commercial property loans when buying office space in Perth's northern business hub

Image for What are the Steps in Commercial Loan Settlement?

15th June 2026

What are the Steps in Commercial Loan Settlement?

Settlement on a commercial property loan involves distinct steps that differ from residential finance, with longer timeframes and more detailed legal requirements throughout.

Business Loans

Image for Do you know these business loan planning strategies?

7th September 2026

Do you know these business loan planning strategies?

Smart borrowing starts before you need the funds. How Applecross businesses structure lending decisions to support growth without overextending.

Image for Everything You Need to Know About Business Loan Terms

31st August 2026

Everything You Need to Know About Business Loan Terms

Choosing the right loan term affects how much you repay each month and how much interest you'll pay over time.

Image for The Easiest Way to Improve Business Cash Flow

23rd July 2026

The Easiest Way to Improve Business Cash Flow

How Joondalup businesses use working capital finance to cover gaps, fund growth, and keep operations running without burning through reserves

Image for Smart ways to refinance existing business debt

16th July 2026

Smart ways to refinance existing business debt

How restructuring your business borrowings can reduce repayments, improve cash flow, and position your Perth business for sustainable growth.

Image for Proven Tips to Finance a Manufacturing Facility

29th June 2026

Proven Tips to Finance a Manufacturing Facility

What Applecross business owners need to know about securing commercial property finance for industrial acquisitions

Image for Top Strategies to Finance a Medical Practice Building

24th June 2026

Top Strategies to Finance a Medical Practice Building

How Joondalup medical professionals can structure business loans to purchase their practice premises while protecting cash flow and keeping expansion options open.

Image for Smart ways to approach business loans when starting up

11th June 2026

Smart ways to approach business loans when starting up

How to structure finance for a new business in Joondalup, from secured lending to cashflow solutions that match your setup phase

Refinancing

Image for Refinancing Documentation: What Not to Miss

18th August 2026

Refinancing Documentation: What Not to Miss

The specific paperwork lenders want when you refinance, how long it takes to gather, and what slows down most applications in WA.

Image for Top Strategies to Refinance Multiple Properties

29th July 2026

Top Strategies to Refinance Multiple Properties

How to restructure several investment loans at once without triggering unnecessary valuations, LMI charges, or cross-collateralised headaches across your portfolio

Image for Refinancing Mistakes and How to Avoid Them

8th July 2026

Refinancing Mistakes and How to Avoid Them

How to refinance to a lower interest rate in Joondalup without getting stuck on worse features or paying more than you should.

Image for How to Choose Refinancing Payment Frequencies

7th July 2026

How to Choose Refinancing Payment Frequencies

Switching your repayment schedule when you refinance can reduce interest costs and improve cash flow without changing your loan amount.

Image for Top Tips to Refinance Your Home Loan in Perth

2nd July 2026

Top Tips to Refinance Your Home Loan in Perth

A step-by-step look at the refinancing process, from comparing rates to settlement, tailored for Perth homeowners looking to reduce costs or access equity.

Recent Articles

Image for When to Apply for a Home Loan as a First Home Buyer

25th May 2026

When to Apply for a Home Loan as a First Home Buyer

Understanding the right timing, deposit options, and government schemes that can help you buy your first house in Western Australia.

Image for Unlock the secrets to home loan documentation

20th May 2026

Unlock the secrets to home loan documentation

What lenders actually look for in your paperwork and how to prepare your application for a faster, smoother approval process.

Image for Why You Should Use Equity to Build Your Property Portfolio

19th May 2026

Why You Should Use Equity to Build Your Property Portfolio

How Applecross investors use borrowing power from existing properties to acquire multiple investment properties without saving another deposit

Image for Refinancing Settlement: What Happens and When

14th May 2026

Refinancing Settlement: What Happens and When

Understanding the steps between approval and finalising your refinance matters, especially when you're coordinating property ownership, existing lenders, and new loans in Joondalup.

Image for Guide to Government Policies for Home Loans in WA

11th May 2026

Guide to Government Policies for Home Loans in WA

From first home buyer grants to stamp duty concessions, understanding the government schemes that can reduce your borrowing costs and deposit requirements.

Image for Construction Loan Monitoring: What Happens After Approval

7th May 2026

Construction Loan Monitoring: What Happens After Approval

Understanding how your building funds are released through progress inspections and drawdown schedules when constructing in Greater Perth

Image for Refinance to Access Equity for Renovations in Applecross

4th May 2026

Refinance to Access Equity for Renovations in Applecross

Unlocking your property's equity could fund the kitchen, bathroom, or extension you've been planning without selling or taking personal loans.

Image for Offset Accounts and Your First Home Loan

30th April 2026

Offset Accounts and Your First Home Loan

How an offset account works when you're buying in Joondalup and whether it makes sense for your first home loan application.

Image for How to Structure Your Home Loan for Maximum Flexibility

27th April 2026

How to Structure Your Home Loan for Maximum Flexibility

The way you structure your loan affects how you repay it, how much you pay in interest, and whether you can adapt as circumstances change.

Image for How to Fund a New Product Line for Your Business

23rd April 2026

How to Fund a New Product Line for Your Business

Launching a new product line takes more than vision. It takes capital, timing, and the right loan structure to match your cashflow.

Image for Office Space Financing: What Applecross Buyers Need to Know

20th April 2026

Office Space Financing: What Applecross Buyers Need to Know

From strata title offices to whole buildings in the Riseley Street precinct, understanding how loan structure affects your purchase outcome matters more than rate alone.

Image for Offset Accounts: How They Work and What They Save

16th April 2026

Offset Accounts: How They Work and What They Save

An offset account can reduce your home loan interest without restricting access to your money, but only if it suits your financial habits.

Image for Guide to Investment Loans for Holiday Rental Properties

14th April 2026

Guide to Investment Loans for Holiday Rental Properties

Discover how purchasing a holiday rental property in Joondalup can help build wealth through passive income and property investment strategy.

Image for When to Refinance: Payment Frequency Options Explained

9th April 2026

When to Refinance: Payment Frequency Options Explained

Discover how changing your payment frequency when you refinance your home loan could help you save thousands on interest.

Image for Understanding the Basics of Fixed Rate Home Loans

7th April 2026

Understanding the Basics of Fixed Rate Home Loans

Learn how a fixed interest rate home loan can provide stability and predictability for your mortgage repayments across WA.

Image for Purchasing a Duplex: Home Loans and Financing Options

1st April 2026

Purchasing a Duplex: Home Loans and Financing Options

Discover how to finance your duplex purchase in Joondalup with the right home loan products and features for your investment goals.

Image for Home Loan Comparison and How to Choose the Right Option

30th March 2026

Home Loan Comparison and How to Choose the Right Option

Discover how comparing home loan options can help you find the right product for your financial goals and achieve home ownership in Joondalup.

Image for Understanding Income and Employment for Home Loans

25th March 2026

Understanding Income and Employment for Home Loans

How your income type and employment status affect your home loan application and what lenders look for in Perth

Image for Studio Apartments and First Home Buyers in Joondalup

23rd March 2026

Studio Apartments and First Home Buyers in Joondalup

Your guide to purchasing a studio apartment as a first home buyer in Joondalup, including deposit options and government schemes.

Image for Guide to Investment Loans for Joondalup Property Buyers

19th March 2026

Guide to Investment Loans for Joondalup Property Buyers

Everything you need to know about purchasing an investment property in Joondalup and securing the right investment loan for your financial goals.

Image for 10 Key Steps to Purchase a Commercial Office Building

16th March 2026

10 Key Steps to Purchase a Commercial Office Building

A practical guide for Joondalup business owners looking to secure commercial property finance and expand their operations.

Image for Why Should You Consider Startup Business Loans?

12th March 2026

Why Should You Consider Startup Business Loans?

Discover how startup business loans can help Applecross entrepreneurs launch their ventures and turn business ideas into reality.

Image for Top Tips to Finance Your Construction Investment Property

9th March 2026

Top Tips to Finance Your Construction Investment Property

Understanding construction loans and how to secure finance for building your investment property in Applecross and across Australia.

Image for First Home Buyers: What to Know Before Buying Off-the-Plan

4th March 2026

First Home Buyers: What to Know Before Buying Off-the-Plan

Discover the essential information Applecross first home buyers need when purchasing off-the-plan property and securing the right home loan.

Image for Proven Tips to Navigate the Home Buying Process in WA

3rd March 2026

Proven Tips to Navigate the Home Buying Process in WA

Understanding home loan options and the application process can help you make informed decisions on your path to home ownership.

Image for Do you know how Variable Rate Loans suit Life Stages?

25th February 2026

Do you know how Variable Rate Loans suit Life Stages?

Understanding how variable home loan rates work at different points in your journey can help you achieve home ownership and financial stability.

Image for Fixed, Variable, and Split Investment Loans Explained

23rd February 2026

Fixed, Variable, and Split Investment Loans Explained

Understanding the differences between fixed rate, variable rate, and split loan options can transform your property investment strategy and boost returns.

Image for Proven Tips to Finance Your Investment Duplex Purchase

19th February 2026

Proven Tips to Finance Your Investment Duplex Purchase

Learn how to secure the right investment loan for your duplex property in Applecross and build wealth through property investment.

Image for Multiple Offset Accounts and Your First Home Loan

18th February 2026

Multiple Offset Accounts and Your First Home Loan

Learn how using multiple offset accounts with your home loan can help first home buyers in Applecross manage their finances more effectively.

Image for Do You Know the Differences Between Fixed, Variable, Split?

18th February 2026

Do You Know the Differences Between Fixed, Variable, Split?

Understanding your home loan options is crucial when buying property in Joondalup. Let's explore how these loan types work.

Image for What are Construction Loan Risks You Should Know?

18th February 2026

What are Construction Loan Risks You Should Know?

Understanding the potential pitfalls of construction finance can help you build your dream home with confidence and realistic expectations.

Image for Business Loan Documentation: What You Need to Know

18th February 2026

Business Loan Documentation: What You Need to Know

Understanding the paperwork required for your business loan application can speed up approval and help you secure the funding you need.

Image for How to Purchase a Villa as a First Home Buyer in WA

18th February 2026

How to Purchase a Villa as a First Home Buyer in WA

A comprehensive guide for first home buyers in Perth and WA looking to purchase a villa with confidence and clarity.

Image for Business Loan Fees and Charges: What You Need to Know

13th February 2026

Business Loan Fees and Charges: What You Need to Know

Understanding the true cost of business finance helps you make informed decisions and avoid unexpected expenses when securing funding.

Image for Proven Tips to Understand Home Loan Costs and Fees

11th February 2026

Proven Tips to Understand Home Loan Costs and Fees

Learn what you're really paying for when applying for a home loan and how to make informed decisions about fees.

Image for Proven Tips to Finance Your Dream Sports Car

9th February 2026

Proven Tips to Finance Your Dream Sports Car

Discover how the right car finance approach can put you behind the wheel of that supercar you've been dreaming about.

Image for Why Should You Consider an Offset Account for Your Home Loan?

9th February 2026

Why Should You Consider an Offset Account for Your Home Loan?

Discover how a mortgage offset account can help you build equity, reduce interest payments, and achieve your property goals sooner.

Image for Family Loan Agreements to Help Achieve Home Ownership

9th February 2026

Family Loan Agreements to Help Achieve Home Ownership

Discover how family loan agreements work and what you need to know before borrowing from relatives for your home loan deposit.

Image for Proven Tips to Refinance Your Business Debt and Improve Cash Flow

9th February 2026

Proven Tips to Refinance Your Business Debt and Improve Cash Flow

Discover how refinancing existing business debt can unlock working capital, reduce interest rates, and position your WA business for growth.

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Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.